Trust Alliance Capital
Trust Alliance Capital is a 22-year family-owned equipment finance company that originates loans across 30+ program partners for commercial operators in trucking, construction, manufacturing, medical, landscaping, HDD, and tow truck verticals — particularly serving credit tiers banks and dealer finance companies decline.
- Company typePrivate
- Founded2004
- HeadquartersKaysville, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Trust Alliance Capital does
Trust Alliance Capital is a 22-year, family-owned equipment finance company headquartered in Kaysville, Utah. Founded in 2004, the company originates commercial equipment loans by routing borrowers across a network of 30+ program partners covering every credit tier — prime, mid-tier, sub-prime, startup, and prior bankruptcy — that banks and captive dealer finance companies typically decline. Deal sizes range from approximately $15K (entry tow trucks) to $1M+ (specialized manufacturing equipment), with SBA 7(a) up to $5M and SBA 504 up to $10M handled through bank partners under TAC's package-and-quarterback model.
The company serves a long-tail customer base across at least eight verticals: commercial trucking (OTR, fleets, vocational), construction equipment, manufacturing and CNC, medical and dental, landscaping and turf, horizontal directional drilling, tow trucks and wreckers, plus adjacent products in commercial real estate financing and short-term working capital. Distribution is direct-to-consumer via a phone-led inside sales motion (a real person answers the main line and diagnoses deals in approximately three minutes) and a dealer/vendor referral channel, supported by SEO, organic content marketing, and public review profiles (5.0-star Google, BBB A+). The company operates nationally across all 50 US states with state-specific landing pages and a single headquarters location, closing deals remotely via DocuSign.
Revenue is generated through origination and spread income on equipment financing (transaction fees), SBA packaging fees (professional services), and interest on short-duration working capital loans. The model is essentially an origination broker that does not hold loans on its own balance sheet, keeping fixed costs low (1-10 employees, single office). Reported scale metrics are $500MM+ in cumulative funded volume and 4,000+ funded deals since inception, with no disclosed revenue, no outside equity capital, and continuous family ownership throughout.
Trust Alliance Capital firmographics
Firmographics- Name
- Trust Alliance Capital
- Legal name
- Trust Alliance Capital, Inc.
- Website
- https://trustalliancecapital.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Trust Alliance Capital is a 22-year family-owned equipment finance company that originates loans across 30+ program partners for commercial operators in trucking, construction, manufacturing, medical, landscaping, HDD, and tow truck verticals — particularly serving credit tiers banks and dealer finance companies decline.
- Ownership category
- akta.pro rank
Trust Alliance Capital industry classification
Industry- Product category
- Commercial Equipment Finance
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Trust Alliance Capital is headquartered
LocationHeadquarters
- HQ city
- Kaysville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Trust Alliance Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Equipment Financing: TAC earns origination/spread income on commercial equipment loans structured across 30+ program partners. Loans fund commercial trucks, construction equipment, manufacturing machinery, trailers, medical equipment, landscaping equipment, tow trucks, and directional drills. Deal sizes range from $15K–$25K (tow trucks) to $1M+ (specialized manufacturing). Typical terms 36–60 months. Down payment ranges from $0 (strong credit) to 30% (sub-prime/startup). App-only deals up to ~$250K; full financials above that. SBA loans handled through bank partners (7(a) up to $5M, 504 up to $10M) with TAC quarterbacking the process.
- Working Capital Financing: Short-term working capital loans up to $500,000, typically repaid within one year. No early payoff penalties — borrowers pay interest only for the period the capital is outstanding. Weekly payment frequency most common; daily and monthly options available. Used to bridge contract wins, cover repairs, manage slow seasons, or fund equipment down payments.
- SBA Loan Packaging: TAC partners with large SBA-experienced banks to offer SBA 7(a) (up to $5M) and SBA 504 (up to $10M) loans. TAC packages the file and quarterback the process; SBA bank partners fund the loans. TAC earns a packaging/origination fee for managing the SBA process. SBA 504 delivers 25-year fixed rates on owner-occupied commercial real estate. SBA loans also serve as a refinance tool for consolidating high-payment debt (e.g., merchant cash advances) into one SBA-structured payment.
- Commercial Real Estate Financing: Small-balance commercial mortgages and construction-to-perm financing for owner-occupied property (truck terminals, equipment yards, warehouses, manufacturing buildings, medical/dental practice real estate). TAC structures the real estate side using the same multi-program approach as its equipment financing. Existing TAC equipment customers benefit from faster CRE processing since their file is already known.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Prime credit (700+ FICO, 2+ years in business, strong prior commercial credit): zero down to ~15% down, competitive rates, 48–60 month terms |
| Unit Pricing | Monthly | Mid-tier credit (620–700 FICO): 10–20% down, 48–60 month terms, structured via specialty programs |
| Unit Pricing | Monthly | Sub-prime / startup / prior BK / thin file: 20–30% down, 36–48 month terms, specialty programs with higher monthly payments |
| Usage-based | Pay-as-you-go | Working capital loans: up to $500,000, no early payoff penalties, weekly payment frequency most common |
| Unit Pricing | Multi-year contract | SBA 7(a): up to $5M for working capital, equipment, business acquisition, mixed-use; SBA 504: up to $10M for owner-occupied CRE and major equipment with 25-year fixed rate on real estate portion |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Trust Alliance Capital product offering
Product offeringCore offering
Trust Alliance Capital is a family-owned equipment finance company that originates commercial equipment loans across 8+ industry verticals (trucking, vocational trucks, construction, manufacturing/CNC, medical/dental, landscaping, HDD, tow trucks/wreckers) using a network of 30+ lending programs matched to borrower credit tier. The company also packages SBA 7(a) and 504 loans through bank partners, provides short-term working capital loans up to $500,000, and finances owner-occupied commercial real estate. Deals are diagnosed by phone in approximately three minutes by industry-specialized account managers and typically approved within 1-3 business days.
Product overview
Trust Alliance Capital is a family-owned equipment finance company offering a unified suite of financing products rather than a software platform architecture. The core offering is Equipment Financing, which encompasses commercial truck financing, tow truck financing, vocational truck financing, construction equipment financing, medical and dental equipment financing, manufacturing and CNC equipment financing, landscaping equipment financing, and horizontal directional drill (HDD) financing. Supporting the core equipment products are SBA Loans (7(a) and 504 programs), Working Capital Loans, and Commercial Real Estate Financing. Additional services include a Pre-Qualification Service and 5-Minute Credit Consultation. The company serves operators across every credit tier and specializes in deals that banks and dealer finance companies decline.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing
- Commercial Truck Financing
- Vocational Truck Financing
- Construction Equipment Financing
- Medical & Dental Equipment Financing
- Manufacturing & CNC Equipment Financing
- Landscaping & Turf Equipment Financing
- Horizontal Directional Drill (HDD) Financing
- Tow Truck & Wrecker Financing
- Working Capital Loans
- SBA Loans
- Commercial Real Estate Financing
Quantifiable outcome
- $500MM+ funded since 2004; 4,000+ deals completed
- +6 more outcomes
Companies that use Trust Alliance Capital
Customer profileNamed customers8 records
Segments8 records
Ideal customer profiles7 records
Trust Alliance Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Trust Alliance Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Ten Four InsurancesupportingTAC refers customers needing commercial truck and trailer insurance to Ten Four Insurance, which specializes in operators going independent, fleets adding equipment, and new-authority owner-ops — the same customer profile TAC funds. This is a formalized referral arrangement, with a dedicated CTA on the West Virginia Reefer Trailer financing page linking to Ten Four's TAC-specific quote page.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Trust Alliance Capital competitors and assessment
Company assessmentDirect peers
- Direct Capital Corporation: Equipment finance broker and direct lender serving small and mid-sized businesses across verticals including trucking, construction, medical, and restaurants. Closely matches TAC's origination-broker model with multiple credit-tier programs.
- TimePayment: Equipment financing company focused on small-ticket commercial equipment leases for businesses across verticals. Similar in serving underbanked SMB equipment buyers with a broker-style origination approach.
- Balboa Capital: Equipment leasing and financing company serving small businesses across multiple industries and credit profiles. Operates a similar multi-tier, phone-led sales motion with a comparable customer base.
- Marlin Capital Solutions: Provider of equipment financing and working capital solutions to small and mid-sized businesses. Comparable in product mix (equipment + working capital) and target customer (sub-prime through prime SMBs).
- Crest Capital: Equipment financing and leasing company for small and mid-sized businesses, with a heavy emphasis on quick approvals and broad credit-tier coverage. Direct overlap with TAC's multi-vertical, multi-tier model.
- United Capital Source: Alternative working capital and equipment financing provider for small businesses, including sub-prime and startup profiles. Comparable customer overlap, particularly on working-capital products.
- LEAF Capital (Lakeland Equipment & Finance): Commercial equipment leasing and finance company serving small and mid-sized businesses across multiple verticals. Comparable product mix (equipment + working capital) and credit-tier flexibility.
Emerging players
- Currency (formerly Currency Capital): Digital equipment finance marketplace connecting SMB equipment buyers with multiple lenders. Overlaps with TAC on multi-lender routing but competes via a digital-first, automated platform rather than phone-based diagnosis.
Broad incumbents
- CIT (First Citizens Bank Equipment Finance): Major commercial equipment finance provider serving mid-market and larger commercial clients. The scale incumbent TAC competes with on bigger-ticket and CRE-financing deals.
- Wells Fargo Equipment Finance: Large bank-owned equipment finance division serving middle-market and larger commercial clients across virtually all equipment verticals. Represents the bank-side incumbent that TAC positions against in its marketing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Trust Alliance Capital social profiles
Digital presenceTrust Alliance Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trust Alliance Capital leadership team
Management profileNumber of profiles
Profiles6 records
Trust Alliance Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trust Alliance Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Trust Alliance Capital
What does Trust Alliance Capital do?
Trust Alliance Capital is a family-owned equipment finance company that originates commercial equipment loans across 8+ industry verticals (trucking, vocational trucks, construction, manufacturing/CNC, medical/dental, landscaping, HDD, tow trucks/wreckers) using a network of 30+ lending programs matched to borrower credit tier. The company also packages SBA 7(a) and 504 loans through bank partners, provides short-term working capital loans up to $500,000, and finances owner-occupied commercial real estate. Deals are diagnosed by phone in approximately three minutes by industry-specialized account managers and typically approved within 1-3 business days.
Is Trust Alliance Capital a public or private company?
Trust Alliance Capital is a private company. It is classified as family owned and is currently operating.
When was Trust Alliance Capital founded?
Trust Alliance Capital was founded in 2004. It employs 1 to 10 people.
Where is Trust Alliance Capital based?
Trust Alliance Capital is headquartered in Kaysville, United States, in the North America region.
How does Trust Alliance Capital make money?
Four revenue lines are on record. Equipment Financing is the primary driver. The others are working Capital Financing, SBA Loan Packaging and commercial Real Estate Financing.
Who are Trust Alliance Capital's main competitors?
Direct peers on record are Direct Capital Corporation, TimePayment, Balboa Capital, Marlin Capital Solutions, Crest Capital, United Capital Source and LEAF Capital (Lakeland Equipment & Finance). Currency (formerly Currency Capital) is listed as an emerging player. Broad incumbents are CIT (First Citizens Bank Equipment Finance) and Wells Fargo Equipment Finance.
Does Trust Alliance Capital have an API?
No public API is recorded for Trust Alliance Capital.
What industry is Trust Alliance Capital in?
Trust Alliance Capital's product category is Commercial Equipment Finance. Its primary akta.pro industry code is FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables). Its NAICS code is 52222 and its SIC code is 6163.